Investment Planning

"The money we manage is not our money – it's our clients' past and their future. We take that responsibility very seriously."

— Eduardo Repetto, Dimensional Funds co-CEO & CIO

At Financial Plans & Strategies, our focus is on providing excellent individualized service to enable our clients to meet their financial goals. Therefore, a successful financial plan is not limited to considering investment returns. Instead, we believe a successful investment experience is not achieved unless we enable our clients to reach their goals. To accomplish this outcome-based approach, we go beyond offering just investment management and instead develop a comprehensive, individualized financial plan for each of our clients.

Retirement and higher education are not the only major financial decisions in an investor's life. Many short term investments – such as holding or reinvesting stock options, gifting to charities or family, down payment on a house or funding weddings – require thoughtful financial planning. But no matter what you are saving for, there are three primary investment decisions that you as an investor can make:

1. How are my assets allocated between stocks, bonds and cash?

2. What are the specific investments I should own within each asset class?

3. When should I buy and/or when should I sell?

Many investors spend most of their time on the second and third decisions, analyzing which specific investments to buy or when to time their purchases and sales. Yet, it has been proven that the first decision – asset allocation through the appropriate mix of stocks, bonds and cash – is by far the most important factor in determining the variation of your investment return. The allocation of investment dollars far outweighs the potential effects of security selection and market timing.

At Financial Plans & Strategies, we can help our clients with all three of the investment decisions an investor can make. The financial plans that we create are grounded in economic theory that is backed by decades of empirical research. This allows us to provide our clients solid advice on the best asset allocation strategy to grow your investments. This growth is enhanced by our dynamic asset allocation program.

Contact us today if you wish to develop a personalized investment program to meet your goals.

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The content is developed from sources believed to be providing accurate information.
The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals
for specific information regarding your individual situation. Some of this material was developed and produced by
FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named
representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and
material provided are for general information, and should not be considered a solicitation for the purchase or
sale of any security.

No Individual should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information.

Be sure to consult with a FPS adviser and/or a tax professional before implementing any strategy discussed herein.